Job Description

compensation: $75,000 - $90,000* employment type: FULL-TIME

Major Responsibilities: • Evaluates loan applications and documentation by confirming creditworthiness. • Maintains customer confidence by keeping loan information confidential. • Originates transactions by taking complete and accurate loan applications. • Completes loan contracts by explaining provisions to applicants; obtaining signatures and notarizations; collecting fees. • Improves loan applications and documentation by informing applicants of additional requirements. • Establishes and maintains relationships with Realtors, bank officers, builders, and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions, as required. • Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. • Collects and analyzes information regarding the customer's income, assets, investments, or debts. • Evaluates clients and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances. • Advises the customer regarding the advantages and disadvantages of different loan products. • Services existing customers and obtains all necessary support documents along with the appropriate fees and lock-in information. • Oversees the loan process by monitoring loan status and ensures conformity with terms. • Communicates loan status to all interested parties and obtains loan documentation after closing. • Negotiates terms and conditions of loans with customers. • Stays abreast of trends and developments in the local real estate market and competitive environment, as well as changes in rules and regulations pertaining to private and government-insured mortgages. • Maintains a professional image and adheres to standards consistent with company policies and procedures. Knowledge/Skills/Experience/Expectations Must have excellent customer service skills, able to work in a team environment, and proficient with computers. Basic to Intermediate computer skills in Microsoft Office, including Word, Excel, and Outlook are required. Encompass experience preferred. • Excellent written and oral communication skills. • Analytical with good attention to detail. • Good judgment and the ability to work independently. • Ability to multitask, work well under time constraints and within deadlines. • High School diploma or equivalent. • The ideal candidate will possess an active state-appropriate NMLS license and a minimum of 2 years of retail origination experience. *Candidate (upon hire) will be required to obtain NMLS and DRE license. (Note: for Jr. LO position, no experience is required).

*[compensation is commission-based and commensurate with experience; outside field originator ]